Side-by-side · Q2 2026 data
The First State Bank vs Stockmens National Bank in Cotulla
Metric by metric
| Measure | The First State Bank | Stockmens National Bank in Cotulla |
|---|---|---|
| TellerScore | 68 | 79 (stronger) |
| Capital cushion | 85 (stronger) | 56 |
| Loan quality | 29 | 100 (stronger) |
| Earnings | 88 | 88 |
| Funding & liquidity | 63 | 74 (stronger) |
| Problem-loan coverage | 78 | 80 (stronger) |
| Peer percentile | 37th | 75th |
| Total assets | $121.4M | $124.1M |
| Deposits / shares | $96.4M | $111.7M |
| Capital ratio | 13.46% (stronger) | 10.62% |
| Problem loans | 2.13% | 0.00% (stronger) |
| Net charge-offs | -0.06% (stronger) | -0.02% |
| Return on assets | 1.70% (stronger) | 1.70% |
| Loans ÷ deposits | 90.4% | 22.3% (stronger) |
| Uninsured deposits | 21.0% (stronger) | 38.6% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Stockmens National Bank in Cotulla has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank leads on 4 and Stockmens National Bank in Cotulla on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.